Oh you might be excusing your lack of action by telling yourself you don't have time or you can't afford it, or the last time you tried it you failed.

THE key is to get started.

I read recently that "You don't have to see the whole staircase to take the first step"

That's the key - just take the first step.

Then when you do , take another.

It's the same with fitness, just take the first step, schedule time with a trainer "ME" then take another step a MAJOR FITNESS assessment, and another; make your first workout. Before you know it you will have made it a habit simply because you jumped in and got started.